Yes. For instance, speaking about the registered disability savings plan, to access that, first of all, a family needs to have the disability tax credit. Now we're faced with the first barrier, which I mentioned earlier: the form needs to be filled out by a doctor, so there's a fee. For those families that can't afford that fee, then they're not eligible for the registered disability savings plan.
Then, if they do have it, one, a lot of the banks don't have the proper information about how to run a registered disability plan, and two, a lot of these families don't have the money to put in. One thing I do try to tell the families is that they might only be eligible for three years, because with the disability tax credit now, depending on the disability, they're strict with autism now. That family has to now reapply and pay another doctor to fill out that form.
Families have been told that you have to put money into the registered disability savings plan, but in fact you don't have to right away if you don't have the funds. But once they get that disability tax credit, they should try to connect, and I've tried to supply resources for them to get the accurate information. They should open the account, have it available, because three years from now, if their child does not qualify for the disability tax credit, no on can take away their registered disability savings plan. Again, that key piece is that families don't know, or financially they can't support.